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Options designed to help fit your budget%u2022 Network only (EPO) or network and out-of-network coverage(PPO) plans%u2022 Referral and non-referral plan designs%u2022 Health savings accounts (HSAs)%u2022 A range of deductible and coinsurance amounts, from highdeductible HSA plans to our zero-deductible (ZD) plans%u2022 Dual option offering, letting your employees choose whatworks best for them and their families%u2022 Tiered network benefit options%u2022 Self-funded options for large (101+) group employers5%u2022 Up to $400 per year reimbursement through our Sweat Equity%u00aefitness reimbursement program 6Products available with the New York Oxford Liberty NetworkPPO PPO HSA EPO EPO HSA%u2022 PPO plans offered withthe Freedom Networkprovide members withnetwork and out-ofnetwork coverage%u2022 Members are able toaccess the nationalnetwork when travelingoutside of the Oxfordservice area4%u2022 These products do notrequire a Primary CarePhysician (PCP) referralfor specialist visits%u2022 PPO HSA plans offeredwith the Oxford LibertyNetwork provide memberswith network and out-ofnetwork coverage%u2022 HSAs are paired with theseplans for employees to usefor eligible medical andpharmacy expenses%u2022 Members are able toaccess the nationalnetwork when travelingoutside of the Oxfordservice area4%u2022 These products do notrequire a primary carephysician (PCP) referral forspecialist visits%u2022 When seeking care inthe Oxford service area4,members enrolled inthese EPO plans haveaccess to network careonly within the OxfordLiberty Network%u2022 When traveling outsideof the service area,members can seek carefrom a national networkprovider%u2022 Employers can choosethese products with orwithout a PCP referralfor specialist visits%u2022 Our EPO plans paired withan HSA for employees touse for eligible medicaland pharmacy expenses%u2022 When seeking care inthe Oxford service area4,members enrolled in theseEPO HSA plans haveaccess to network careonly within the OxfordLiberty Network%u2022 When traveling outside ofthe service area, memberscan seek care from anational network provider%u2022 These products do notrequire a PCP referral forspecialist visitsAccess to many acute care facilitiesin the Oxford New York servicearea counties4Learn more Contact your broker or Oxford representative for additional informationcontinued132353910131112 1417113